If your business depends on company cars, trucks and vans as an essential part of your daily business, you want to make sure you have a solid business auto insurance plan in place. Briargate Insurance will tap our network of top-rated insurance companies to provide you with a commercial auto insurance that fits your company’s budget, risk and goals.
Does my business need auto insurance?
If your business owns, rents or leases any vehicles, you need commercial auto insurance. It’s also a good idea to carry coverage if your employees are driving their own vehicles while doing business for you. If your employee is involved in an at-fault accident, there is a good possibility you will be named in any subsequent lawsuit.
Can I pick and choose my commercial auto insurance coverage options?
Absolutely. Business auto insurance works very similarly to personal auto insurance. You’ll need to meet minimum state requirements, but Briargate Insurance can provide you with a quote that includes the following coverage options:
- Auto liability
- Medical payments
- Comprehensive coverage
- Collision coverage
- Uninsured and underinsured motorist coverage
- Coverage for autos you borrow or rent
- Coverage for employees using their cars for the business
Can company vehicles be used for both personal and business use?
Double duty vehicles – meaning the vehicles are used for both personal and business use – are common for a lot of businesses. Briargate recommends you ensure the vehicles with a business auto insurance policy, but it’s also a good idea to look at a policy enhancement that would cover any family members that drive the company car.
Can I extend the maximum limit of business auto coverage?
Trucking companies or any business with many vehicles constantly on the road may want to add a commercial umbrella policy. This helps protect your business even further should maximum limits be reached under your business auto plan. It’s also an affordable way to get extra coverage for injuries and property damages.